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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $16,754 | $72,492-76.9% | $87,104-80.8% | $72,975-77.0% |
| Participation rate | 97.3% | 72.8%+24.5pp | 76.9%+20.4pp | 69.5%+27.8pp |
| Annual return | 27.07% | 24.46%+2.6pp | 28.19%-1.1pp | 81.01%-53.9pp |
| Employer contribution / active EE | $1,985 | $1,894+4.8% | $2,521-21.3% | $2,440-18.7% |
| Participant deferral / active EE | $3,309 | $3,270+1.2% | $4,048-18.3% | $3,608-8.3% |
| Admin fee / account holder | $2,738 | $5,055-45.8% | $7,491-63.5% | $5,124-46.6% |